Home > Home Federal Savings Bank > Income and Expense
Home Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $242,623,000 | 207 |
| Total interest expense | $131,938,000 | 195 |
| Net interest income | $110,685,000 | 218 |
| Provision for loan and lease losses | $2,100,000 | 563 |
| Total noninterest income | $18,959,000 | 369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $18,959,000 | 271 |
| Total noninterest expense | $44,529,000 | 369 |
| Salaries and employee benefits | $26,098,000 | 273 |
| Premises and equipment expense | $9,760,000 | 244 |
| Additional noninterest expense | $8,671,000 | 653 |
| Pre-tax net operating income | $83,015,000 | 170 |
| Securities gains (losses) | $2,491,000 | 155 |
| Applicable income taxes | $32,474,000 | 162 |
| Income before extraordinary items | $53,032,000 | 176 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $53,032,000 | 176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,208,000 | 474 |
| Cash dividends | $41,700,000 | 144 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $51,437,760 | 177 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $210,450,000 | 250 |
| Total interest expense | $111,981,000 | 236 |
| Net interest income | $98,469,000 | 269 |
| Provision for loan and lease losses | $1,200,000 | 891 |
| Total noninterest income | $11,532,000 | 539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $11,532,000 | 394 |
| Total noninterest expense | $52,552,000 | 379 |
| Salaries and employee benefits | $23,990,000 | 333 |
| Premises and equipment expense | $9,250,000 | 290 |
| Additional noninterest expense | $19,312,000 | 424 |
| Pre-tax net operating income | $56,249,000 | 228 |
| Securities gains (losses) | $1,556,000 | 185 |
| Applicable income taxes | $24,967,000 | 195 |
| Income before extraordinary items | $32,838,000 | 245 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $32,838,000 | 245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,990,000 | 452 |
| Cash dividends | $25,301,000 | 233 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $31,842,160 | 247 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $199,065,000 | 278 |
| Total interest expense | $107,960,000 | 252 |
| Net interest income | $91,105,000 | 287 |
| Provision for loan and lease losses | $1,500,000 | 712 |
| Total noninterest income | $8,945,000 | 643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $8,945,000 | 456 |
| Total noninterest expense | $65,514,000 | 332 |
| Salaries and employee benefits | $21,188,000 | 379 |
| Premises and equipment expense | $10,408,000 | 280 |
| Additional noninterest expense | $33,918,000 | 294 |
| Pre-tax net operating income | $33,036,000 | 333 |
| Securities gains (losses) | $-772,000 | 11,851 |
| Applicable income taxes | $19,719,000 | 240 |
| Income before extraordinary items | $12,545,000 | 507 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $12,545,000 | 507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,615,000 | 256 |
| Cash dividends | $33,751,000 | 179 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $13,039,080 | 491 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $125,125,000 | 345 |
| Total interest expense | $58,754,000 | 333 |
| Net interest income | $66,371,000 | 347 |
| Provision for loan and lease losses | $1,800,000 | 621 |
| Total noninterest income | $4,506,000 | 991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,506,000 | 678 |
| Total noninterest expense | $35,828,000 | 504 |
| Salaries and employee benefits | $17,672,000 | 438 |
| Premises and equipment expense | $6,368,000 | 415 |
| Additional noninterest expense | $11,788,000 | 618 |
| Pre-tax net operating income | $33,249,000 | 307 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $14,641,000 | 264 |
| Income before extraordinary items | $18,606,000 | 337 |
| Extraordinary gains, net | $435,000 | 28 |
| Net income | $19,041,000 | 330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,994,000 | 423 |
| Cash dividends | $15,079,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $18,607,280 | 341 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $106,278,000 | 377 |
| Total interest expense | $48,902,000 | 366 |
| Net interest income | $57,376,000 | 389 |
| Provision for loan and lease losses | $2,400,000 | 714 |
| Total noninterest income | $5,194,000 | 954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-411,000 | 5,139 |
| Additional Noninterest Income | $5,605,000 | 621 |
| Total noninterest expense | $35,287,000 | 533 |
| Salaries and employee benefits | $16,465,000 | 465 |
| Premises and equipment expense | $6,223,000 | 423 |
| Additional noninterest expense | $12,599,000 | 644 |
| Pre-tax net operating income | $24,883,000 | 343 |
| Securities gains (losses) | $3,632,000 | 203 |
| Applicable income taxes | $12,642,000 | 261 |
| Income before extraordinary items | $15,873,000 | 369 |
| Extraordinary gains, net | $5,685,000 | 55 |
| Net income | $21,558,000 | 311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,698,000 | 602 |
| Cash dividends | $4,907,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $1,009,000 | 457 |
| Net operating income | $13,548,520 | 399 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $97,026,000 | 444 |
| Total interest expense | $51,270,000 | 429 |
| Net interest income | $45,756,000 | 475 |
| Provision for loan and lease losses | $4,100,000 | 670 |
| Total noninterest income | $5,839,000 | 873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $5,839,000 | 603 |
| Total noninterest expense | $26,967,000 | 666 |
| Salaries and employee benefits | $12,074,000 | 609 |
| Premises and equipment expense | $4,441,000 | 559 |
| Additional noninterest expense | $10,452,000 | 743 |
| Pre-tax net operating income | $20,528,000 | 338 |
| Securities gains (losses) | $8,611,000 | 131 |
| Applicable income taxes | $13,496,000 | 205 |
| Income before extraordinary items | $15,643,000 | 332 |
| Extraordinary gains, net | $-570,000 | 13,833 |
| Net income | $15,073,000 | 349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,786,000 | 629 |
| Cash dividends | $10,404,000 | 206 |
| Sale, conversion, retirement of capital stock, net | $6,308,000 | 137 |
| Net operating income | $10,131,960 | 437 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.